Clearwater Mortgage, owner occupied, 2nd home, investment property, Commercial. Clearwater Mortgage Guy: Scott Chinchar. The top mortgage company in Florida, Loans of all types, HARP Program, FHA, VA, Conventional, Fannie, Freddie, First time home buyer, Hard money, private money, Commercial financing.

YES! We will answer your questions.

             YES! We can do that loan!

        We can assist you with your mortgage loan for owner occupied, 2nd home and investment properties. We can also assist with Commercial loans. 

         Our staff is friendly and will answer all of your questions in regards to your particular need. Call us today.

        Conventional Loan, FHA loan, VA Loan, Jumbo Loan, Condominium loan, Purchase loan, Refinance loan, Commercial loan, Owner occupied, 2nd home or Investment.




Dear Scott,

We just wanted to thank you for your professionalism, tenacity and persistance in getting us a terrific REFI loan.  It would have been easy to get discouraged at all the twists and turns and request for so much extra information, but with you as our Quarterback and all of your support and encouragement we never doubted it would happen.  You have a fantastic team at Clearwater Mortgage.  No matter how many times a day we called, faced, emailed, they were always helpful and patient.  There was never a question they couldn't get the answer for, or a problem you didn't find the solution for.  Amazing!  We were so happy we chose you to take care of such a personal life changing event for us.  Refreshing- that because of people like you, there truly is hope in America for Small Business Owners who really did make it on their own.  We absolutely could not have done this without YOU and this is one very greatful Veteran for your respect, knowledge, experience and hard work to get us the VA REFI loan that has put new wind in our sails for clear sailing in the future.  You are a real credit to your profession and Clearwater Mortgage is the BEST!  Thank You!  Thank you! Thank you! for Beaming us up Scotty!

Very truly yours,

Armand & Sandra


Clearwater Mortgage is the best!  I had gone to Chase originally for my mortgage and then 2 days before my closing date, they told me I couldn't have the house, and basically said that getting a house for me was hopeless due to my situation. Then I found Scott. Not only did he get me the house, but he paid close attention to every detail. I could call him or e-mail him knowing I would get a response the same day, if not the next. When I called my lender from Chase, it took days for him to get back to me after leaving several messages.  Scott doesn't waste your time. If he can get you the house, then he will do everything in his power to get you that house!  Take it from me, I'm a 22 year old girl, and a proud home owner!




Dear Scott and Gilma.

We would like to thank you for a great team and excellent service were received during the refinance mortgage process.

Such commitment to GREAT CUSTOMER SERICE is to be commended.  You can be sure that we will recommend your services to anybody we know.

Merry Christmas!!!!


Ben and Mayra


Dear Scott,

I wish to commend you for doing an excellent job in procuring a refinance of our primary residence.

In this economy, it takes skill and extra effort to make it go right to push a loan through. You really make it go right for us.

I particulary appreciate that you always answered your phone personally, you got answeres to my questions extremely quickly, you surveyed underwriters in advance on any potential rejection points, you selected the right lender who was willing to work with us, and you maintained an optimistic attitude throughout the process. You obtained for us very satisfactory terms and intrest rate, including no closing costs.

Thank you for a job well done.


Celia Patrick


Buying or refinancing a home is not the same process it used to be.  The world is different and it takes somone who KNOWs how to maneuver through the maze of different entities that get involved-- of which there are plenty! Scotty at Clearwater Mortgage went above and beyond to help us with a refinance and pulled it off despite the obstacles.

Much appreciated,

 Glenn and Yuby Wahlquist

 So far I've done three loans with Scott at Clearwater Mortgage.  I did an investment property loan, a home loan and an investment property refinance.  The investment property refi was especially challenging but Scott was able to make the whole thing smooth and easy for me. He quickly and happily answered the millions of questions I asked him.  He really knows his stuff. He took care of everything and I couldn't be happer with the serices he provided.  I plan to continue to use Clearwater Mortgage for all future mortgage loans and will most definitely refer all of my friends and family members to him.

Jackie Payson


I closed on my house a two weeks ago. I cannot imagine having done it without Scott and Gilma. 

My loan was tough. I had very little credit history, hate credit cards, and have a single income household. Getting a loan for me was a stressful process. Scott and Gilma were very patient with me. They answered every questions i had throughout the whole process, and kept me in the loop.

Scott did everything he could do to get me approved. I am very grateful! If I ever need another mortgage, it will definitely be through Clearwater Mortgage. Thankyou!!!

Giselle William



Conventional Loans
FHA Loan
VA Loan
Jumbo Loan
Condo Loan
Purchase Loan
Refinance Loan

Got a Question?

Do you have a question? We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you. We guarantee your privacy.
Your Information

Your Question

Note: Fields with an * are required

Clearwater Mortgage, LLC 700 Cleveland Street Clearwater, FL 33755-4106
Phone: Toll Free Phone: Fax:

Commercial Loan | First Time Buyers | FAQ | Buy a Shortsale | HARP PROGRAM | Hard Money | VA Streamline | FHA | About Me | How soon can I buy again? | How long do I have to wait? | Reverse Mortgage | Tell a Friend | Home | Site Map | Apply Today | Mortgage Calculators | Are You Pre-Approved?

As Seen On

Copyright © 2014 Clearwater Mortgage, LLC
Portions Copyright © 2014 a la mode, inc.
Another XSite by a la mode, inc. | Admin LoginTerms of UseSite Map